Term life
Affordable coverage for a set period, like 10, 20 or 30 years, while your family depends on your income.
Life insurance that protects the people who count on you
Make sure your family can pay the bills, keep the house and plan for the future, with coverage sized to your life and budget.
We're not taking new life insurance applications online right now. Call us at (840) 271-0179 and we'll talk through your options.
What life insurance can cover
Coverage options vary by carrier and policy. Your agent will walk you through what's included and what's optional.
Whole life
Lifelong coverage with level premiums that also builds cash value over time.
Universal life
Lifelong coverage with flexible premiums and death benefit.
Final expense
Smaller policies that cover funeral costs and final bills, often with simple health questions.
Key person and buy-sell
Protects a business if an owner or key employee dies.
No-exam options
Some policies can be approved without a medical exam, depending on your age and health.
Who it's for
- Parents with young children
- Homeowners with a mortgage
- Couples who rely on two incomes
- Business owners and partners
- Seniors planning for final expenses
Ways you could save
Discounts depend on the carrier and your eligibility.
- Buy while you're young and healthy
- Choose term for the years you need
- Non-smoker rates
- Annual payments
- Ladder policies as needs change
Life insurance questions
How much life insurance do I need?
A common starting point is 10 to 15 times your yearly income, adjusted for your mortgage, debts, kids' education and savings. We'll help you work out a number that fits your family.
Term or whole life: which is better?
Term is usually the most affordable way to protect your family during your working years. Whole life costs more but lasts your whole life and builds cash value. Many people choose term, and some combine both.
Do I need a medical exam?
Not always. Many carriers offer policies with just health questions, especially for smaller amounts. Larger policies may need a short exam.
Get a life insurance quote
It takes a few minutes online, or call and an agent will walk you through it.